2003 Toyota Celica Car Insurance Quotes – 7 Tips for Cheaper Rates

Want lower car insurance rates for your Toyota Celica? Trying to find low-cost insurance for your Toyota Celica can normally be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to buy car insurance and you need to know the proper way to compare rates for your Toyota and find the best price possible from both online companies and local agents.

It is always a good idea to shop coverage around before your next renewal because car insurance rates change regularly. Despite the fact that you may have had the best rate on Celica insurance a couple years back you will most likely find a better price today. Forget all the misinformation about car insurance because you’re about to find out the easiest way to properly buy coverages while reducing your premium.

If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Locating the lowest cost protection is not that difficult. Drivers only need an understanding of the best way to compare price quotes on the web.

How to compare free insurance coverage rate quotes

Most of the larger companies like Progressive, Geico, Allstate and State Farm provide insurance quotes on their websites. Getting online quotes is pretty easy as you just type in your personal and coverage information as requested by the quote form. Behind the scenes, their quoting system automatically orders credit information and your driving record and returns a price based on these and other factors.

Online price estimates makes it easy to compare insurance prices but the work required to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you want to get better insurance coverage pricing.

The easy way to compare rates

The smarter way to find cheaper rates requires only one form that obtains quotes from several different companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable. After your information is entered, it is rated and you can select any one of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. This process only takes a few minutes and could lower your rates considerably.

To compare rates now, click here to open in new window and submit the form. To compare your current rates, we recommend you replicate the limits and deductibles just like they are on your policy. Doing this guarantees you are getting an apples-to-apples comparison for the exact same coverage.

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Advertising myths

Consumers get pounded daily by advertisements that claim the best rates from the likes of Progressive, Geico, Allstate and State Farm. They all seem to seem to make the promise that you’ll save big if you just switch your coverage to them.

How does each company have lower policy pricing? This is the way they can do it.

Companies have a preferred profile for the type of driver that will add to their bottom line. An example of a desirable risk might be described as over age 30, has never had a claim, and drives newer vehicles. Any customer that meets those criteria will get low rates and therefore will save when switching.

Drivers who are not a match for those standards must pay a higher rate which usually ends up with the prospect going elsewhere. The ads state “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can truthfully make it sound like they have such great rates. Because every company is different, you should compare quotes as often as possible. It’s just too difficult to predict the company that will have the best prices for your profile.

Lower rates by qualifying for these seven discounts

Car insurance companies don’t necessarily list their entire list of discounts in a way that’s easy to find, so the list below details both well-publicized as well as some of the hidden discounts that you may qualify for.

• Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts may get savings of 20 to 30 percent.
• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote as compared to frequent claim filers.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
• College Student – Youth drivers who are attending college and leave their car at home can be insured at a reduced rate.
• Paperwork-free – A handful of car insurance companies will give a small break for buying your policy over the internet.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that you could get a free car insurance policy, you’re out of luck.

The best car insurance companies and their offered discounts are detailed below.

• State Farm offers discounts for anti-theft, Steer Clear safe driver discount, driver’s education, safe vehicle, and multiple policy.
• Geico policyholders can earn discounts including daytime running lights, defensive driver, anti-lock brakes, driver training, and good student.
• Liberty Mutual has discounts for multi-policy, multi-car, new move discount, new vehicle discount, and hybrid vehicle.
• The Hartford includes discounts for air bag, driver training, defensive driver, good student, and anti-theft.
• MetLife has savings for claim-free, good student, good driver, defensive driver, multi-policy, and accident-free.
• Progressive may offer discounts for multi-vehicle, homeowner, online quote discount, multi-policy, online signing, continuous coverage, and good student.

If you are trying to find cheaper insurance quotes, ask all companies you are considering to give you their best rates. A few discounts may not apply to policies in your area.

Insurance coverage is unique, just like you

When it comes to choosing coverage, there really is not a one size fits all plan. Every situation is different.

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

• What should my uninsured motorist coverage limits be in my state?
• How can I force my company to pay a claim?
• What discounts do I qualify for?
• Do I really need UM/UIM coverage?
• Am I insured when driving a different vehicle?
• Am I covered when pulling a rental trailer?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

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Auto insurance coverages

Learning about specific coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, EMT expenses, pain medications, hospital visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

Collision insurance will pay to fix damage to your Celica resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, rolling your car, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 2003 Toyota Celica.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability

Liability coverage can cover damage that occurs to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, medical services, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, fire damage, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Summing up your insurance coverage search

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits to discover at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Low-cost 2003 Toyota Celica insurance can be purchased online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not have internet price quotes and these small insurance companies work with local independent agencies.

People switch companies for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, policy non-renewal or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right insurance coverage provider can be easier than you think.

Helpful information

• How do I File a Claim? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)

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